ZIP 86323 Foreclosure, Tax-Lien & Distress Report

ZIP code 86323 in Yavapai County, Arizona carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. The split runs 63/100 structural to 2/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (74/100)). Its standout signals are construction/permit lag (83/100), structural risk (63/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100).

The market reads contraction — home values fell 2.2% year on year, 3.4% off the recent peak, and 11% higher over three years, at 46/100 phase confidence. A cooling market tends to open discount-to-value windows.

19,297 residents call 86323 home, typically aged 52. Vacancy runs 4.7%. Households earn a median $62,815 — below the roughly $78,000 national figure. Rent burden reaches 21% of tenant households. 84% of housing is owner-occupied. The demographic-stress sub-score lands at 32/100. Home values center near $380,700, an affordability ratio of 5.6×. About 19% have a four-year degree. The ZIP holds roughly 8,651 housing units. Roughly 9.8% live below the poverty line.

On the whole, 86323 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 86323 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 86323's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 86323 shows blanks, not estimates, wherever the record is sparse.

The 28/100 figure for 86323 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 86323 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.